Compliance & Policies

The Retire Early Company is operated by Flux Wealth Ventures Private Limited. We provide educational tools and content about financial independence, and one-to-one educational consultations.

We are not registered with SEBI as an Investment Adviser or Research Analyst. We do not provide recommendations to buy, sell or hold specific securities, and we do not offer portfolio management.

• We do not sell or distribute mutual funds, insurance or other financial products through this website.
• We never ask for your bank passwords, card PINs, OTPs for payments, or demat login details. If anyone does so in our name, please report it to us.
• Our calculators, assumptions and limitations are published openly on our Methodology page.

Investments in the securities market are subject to market risks. Read all related documents carefully before investing.

• Projections on this website are estimates. They assume steady average returns and inflation, which real markets do not deliver.
• Past performance does not indicate future results. Returns are not guaranteed.
• Equity investments can fall sharply, especially in the short term. Our stress test shows some scenarios, but not every possible outcome.
• Taxes, regulations and product rules change. Our tools simplify them.

Read how we calculate on our Methodology page.

This policy explains how Flux Wealth Ventures Private Limited(the “Data Fiduciary”) handles your personal data, in line with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000 and rules under them.

What we collect

• Account details: your mobile number and name, and optionally your email, date of birth and gender.
• Your FIRE plan: the answers you give in the FIRE calculator, such as age, income, expenses, investments and goals. If you are not signed in, these stay in your browser. If you are signed in, we save them to your account so your report works on any device.
• Consultation requests: name, email, phone, preferred time and your message, including your FIRE summary or a topic if you choose to add it.
• Payment records: amount, order and payment IDs and status from Razorpay. We do not receive your card, UPI or bank details.
• Technical data: basic information your browser sends, such as IP address and device type, in server logs used for security.

How we use it

• to run the calculators and generate your results and reports;
• to create and secure your account, including sending sign-in OTPs;
• to arrange, prepare for and hold the consultations you book, and to process payments and refunds;
• to respond to your questions and complaints;
• to keep the Services secure and meet legal, tax and accounting obligations.

We process your data with your consent, which you give when you use these features, or where the law otherwise permits. We do not sell your personal data, and we do not use it for third-party advertising.

Who we share it with

• Razorpay, to process payments;
• service providers who host our systems or send messages for us, only as needed to provide the Services and under confidentiality obligations;
• the expert handling your consultation;
• authorities, where the law requires it.

How long we keep it

We keep your data while your account is active and for as long as needed for the purposes above. Payment and invoice records are kept for the period required by tax and accounting laws. When data is no longer needed, we delete or anonymise it.

How we protect it

We use reasonable security safeguards, including encrypted connections (HTTPS), restricted access to personal data and secure handling of payments through Razorpay. No system is perfectly secure, so please also keep your phone and OTPs safe.

Your rights

• access a summary of the personal data we hold about you;
• correct, complete or update it;
• ask us to erase it, subject to legal retention requirements;
• withdraw your consent at any time. This does not affect processing already done, and some features may stop working;
• nominate another person to exercise your rights if you die or become incapacitated;
• raise a grievance with us, and then with the Data Protection Board of India if it is not resolved.

To exercise any right, write to info@theretireearlycompany.com from your registered email, or tell us your registered mobile number. You can update most account details yourself on your Profile page.

Children

The Services are meant for adults. We do not knowingly collect personal data from anyone under 18.

We do not use advertising or tracking cookies. We store a few things in your browser so the Services work:

• your sign-in token, so you stay signed in;
• your FIRE calculator answers, so your results are there when you come back;
• your light or dark mode preference.

You can clear these at any time in your browser settings, or with “Start over” in the FIRE calculator.

This policy applies to paid expert consultations. General queries are free.

• Cancel 24+ hours before your confirmed slot: full refund, or reschedule for free.
• Cancel within 24 hours, or miss the call: no refund. We may offer one reschedule at our discretion.
• If we cancel, or can't offer a suitable slot: full refund, or reschedule at your choice.
• Payment debited but booking failed: full refund. These are usually reversed automatically by your bank.

To cancel or request a refund, email info@theretireearlycompany.com with your registered mobile number and the Razorpay payment ID. Approved refunds go back to your original payment method within 5 to 7 business days. Your bank may take a little longer to show it.

Consultation fees are for the expert's time. We do not offer refunds based on the outcome of your investments or decisions.

• Payments are processed by Razorpay over encrypted connections. Razorpay is PCI-DSS compliant.
• Card, UPI and net-banking details are entered on Razorpay's secure checkout and are never stored by us.
• We will never ask you to share an OTP, PIN or password for a payment by phone, email or chat.

If you have a complaint about the Services, your personal data, a payment or a consultation, contact our Grievance Officer:

We acknowledge complaints within 24 hours and aim to resolve them within 15 days. If your concern about personal data is not resolved, you may approach the Data Protection Board of India.